Sharafat is a 43-year-old local resident in the town of Saatli. She is married and lives with her husband and two children. She breeds cattle together with her husband. They have been engaged in this business for 20 years. She raises calves and sells them alive to the local market or to butcheries. She also sells milk and other diary products. Cattle breeding is traditional in this region, where there are no other jobs. Sharafat wants to buy two more calves to add to their livestock. She has applied to the Normicro Saatli branch for a loan in amount of $600.